Am I covered for Personal Belongings cover?
Personal Belongings Cover is only included in our Comprehensive Car Insurance Policy. For a full summary on inclusions and exclusions, view our summary table here.
Are my Personal belongings in my car covered?
We all keep personal stuff in our car and the good news is that you are covered for loss of or damage to your belongings because of fire, theft or accidental damage to items in your car.
Are there any limits or exceptions?
Yes. We will NOT pay
- more than €500 in any one complete year of Insurance.
- for money or money equivalent (For example vouchers/ travellers cheques).
- for loss of or damage to mobile phones, sat-nav systems or electric devices such as iPods or laptops.
- for jewellery.
- for goods, tools or samples being carried for any trade or business.
- for items which are covered by another insurance policy.
- for theft of Personal Belongings while Your Car is unattended unless Your Car is locked and the item(s) claimed for were not in view.
- for loss of or damage to radios, mobile phones, audio, or audio visual equipment, their component parts or ancillary equipment.
What to do if my personal belongings are lost or damaged?
Contact us straight away on our Emergency Helpline, 01 241 8572 and give us full and accurate details of the incident. Our Claims Assist Team is available 24 hours a day, 365 days a year for you.
How to keep personal belongings safe?
Keeping stuff safe in your car is often about common sense. Try not to leave valuable items in your car, even parked at home or in your garage. Items that are visible when you are parked on the street will attract attention, so lock anything valuable away in the boot of your car. Avoid leaving any cash in your car, bar small change for parking and always keep that out of sight.
For more details, see our policy booklet, here.
